Bunga Tahapan Berjangka Bca

Bunga Tahapan Berjangka Bca.

Pangkat BCA

Tahapan Berjangka BCA is a savings product for individuals with regular deposits in a certain amount and time, berlebih life insurance.

Benefits


Effective

Balance inquiry and e-statement facility through KlikBCA and KlikBCA Bisnis

Life Insurance

Life insurance for guaranteed convenience

Best Interest Rate

Interest rates above regular savings

Free Admin Fee

There is no administrative fee every month.

Free Sedimen

Free to add funds at any time outside the monthly deposit.

Make Your Dreams Come True

Help form a habit of saving regularly to make dreams come true

Terms and Procedures:

  • Available for an individual customer
    • Tahaka must be at least 12 years old, maximum 60 years old.
    • Tahaka Simuda must be at least 18 years old, maximum 30 years old.
  • The maximum saving period is up to age 65.
  • Fill and sign account opening form.
  • Account opening is not subject to stamp duty fee.
  • Bring all necessary documents.

Types of Customers

Document

Adult individuals

ID card

NPWP*

Minors represented by a parent (< 12 years old)

Parent’s ID card

Parent’s NPWP

Child’s birth certificate/Family Card/Child’s ID card

Minors represented by a lazim guardian (< 12 years old)

Guardian’s ID card and NPWP

Letter of Appointment of Guardians from the District Court

Unrepresented minors (12- <17 years old)

Child’s ID card

Student card/Statement letter from school/ID card, for Indonesian Citizens

Passport/ID Card, for foreigners

Parent’s ID card and NPWP

Parent’s Statement Letter

*Note:
If the Customer does titinada/does not yet possess an NPWP, it can be replaced with a statement letter of not owning an NPWP.

For inquiries and complaints:

Contact Us:

Halo BCA 1500888

Email: [email protected]

WA: +628111500998

www.bca.co.id

Social Media:

Facebook : GoodLife BCA

Instagram : @goodlifebca

Youtube : Solusi BCA

Twitter : @BankBCA

Features, Benefits, and Risks of Tahaka

Key Features of Tahaka:

  • Available in Rupiah.
  • Minimum initial sedimen of:
  • Rp500,000 with multiples of Rp50,000 for Tahaka.
  • Rp100,000 with multiples of Rp50,000 for Tahaka SiMuda.
  • Monthly auto-debit sedimen from fund source account.
    • The fund source of Panjang Berjangka can be from Tahapan, Tahapan Gold, Hierarki Xpresi, or Tapres BCA.
    • The fund source of Jenjang Berjangka SiMuda can be from TabunganKu.
  • Competitive interest rates. For details on interest rates, see the “Fees, Limits, and Interest Rates.”
  • Minimum saving period of 12 months and maximum of 240 months.
  • Withdrawals are not available during the saving period.
  • The guaranteed interest rates adhere to the prevailing interest rates on Deposit Insurance Corporations (LPS) webpage.
  • Income Tax Fee: 20% of the nominal interest.
  • Account statement will be sent in the print form and/or e-statement (direct download from BCA channel that you have).
  • Floating interest is titinada payable if withdrawal is made before the maturity date.
  • Monthly interest transfer fee: Free.

Benefits:

  • As a convenient and flexible futures investment.
  • Free life insurance protection during the saving period of Tahapan Berjangka
  • Insurance benefits received by customers are as follows:
    • Sum Assured is equal to the routine sedimen that has yet to be deposited:
    • Saving Period

      Cause of Death

      Sum Assured

      <1 year

      Illness

      Accident

      1 x Sum Assured, Max Rp 750milion/customer

      ≥1 year

      Illness

      1 x Sum Assured, Max Rp 750milion/customer

      Accident

      2 X Sum Assured, Max Rp 1.5Bn /customer

      Note :

      If a customer owns 1 account or more than 1 Tahaka account, the total Sum Assured payable by BCA Life is a maximum of Rp750 million (for illness) or a maximum of Rp1.5 billion (for accidents).

    • Death benefit of Rp 5.000.000 (five million rupe) per account in addition to the Sum Assured.
  • Hassle-free monthly deposit through auto-tagihan.
  • Mature account will be transferred to the fund source account and the customer will be notified via SMS/e-mail.

Risks:

  • LPS does not guarantee your savings, if:
  • The amount of all savings (including interest) at one bank exceeds (equal to) Rp2 billion for both single and joint accounts.
  • The interest rate applicable exceeds the LPS-guaranteed interest rate.
  • Interest rates fluctuation may occur following market developments.

Simulation:

Placement

Interest Rates masing-masing Annum*

Term

Monthly Interest Rate**

Total Accumulation***

Rp1,000,000

2.1%

12 months

Rp21,203

Rp12,137,380

Rp500,000

1.6%

12 months

Rp8,059

Rp6,052,255

Note:

* Interest rates may change according to the prevailing regulations.


** Interest = gross interest before tax according to the prevailing regulations (Assuming 1 month = 30 days, 1 year = 365 days)
** Total accumulation = besaran amount of Deposit bersisa interest after tax.

Additional Information

  • Tahaka interest will be credited at the end of each month.
  • When it reaches maturity, the funds will be credited to the fund source account.
  • If interest rates decrease, nominal interest received will also decrease.
  • It is not available for joint account.
  • To close a savings account, customers can visit the branch where the account was opened and an account closing fee will be charged.
  • The procedures of the Tangga Berjangka closure are as follows:
    • Automatically closed by the system:
      • when the account matures, which is one business day before the account opening date in the year the account becomes due.
      • In the event that the auto debit for the monthly routine deposit fails for 3 consecutive months.
    • Closure before the maturity date based on the customer’s request who visits the branch office where the Tahapan Berjangka account was opened.
  • If funds are not available on the debit date, the auto debit process shall be made again at the end of the relevant month.
  • If the auto tagihan fails for 3 consecutive months, the Pangkat Berjangka will be automatically closed, and the funds will be credited to the fund source account.
  • The customer cannot make any funds withdrawal or close the account prior to the maturity date. If such withdrawal or closure is initiated, the customer will incur an account closing fee before maturity.
  • The Tahapan Berjangka Life Insurance is an insurance product of PT Asuransi Nyawa BCA and is not a product and responsibility of BCA and does not fall within the scope of the endapan guarantee program as referred to in the statutory provisions concerning deposit insurance corporations. The use of the BCA logo and/or other attributes in the marketing documents are as a form of marketing collaboration between BCA and PT Asuransi Jiwa BCA.
  • The Bank is required to notify all changes to the benefits, costs, risks, terms, and conditions of these Products and Services by mail or through other means pursuant to the prevailing terms and conditions. Such notification will be made 30 days prior to the effective date.
  • For every offer and subscription of other products, BCA will first ask the customer for approval to provide customer data to third parties.
  • Information about fees, benefits, and risks is available on
    bca.co.id.
Baca :   Lagu Batak Sai Ma Ito Sai Ma Sude

Disclaimer (important note)

  • The Bank may reject the application for Tahaka if they do not fulfill the applicable terms and conditions.
  • The customer has read and understood the savings product according to the Product Summary.
  • This Product Summary is not part of the application for opening a Tahaka account.
  • Customers are required to read, understand, and sign the application for opening a Tahaka account.
  • Information included in the Product Summary is jujur until the new amendment related to the BCA Savings in this Product Summary is made.
  • Customers are required to carefully read this Product Summary before agreeing to the opening of Tahaka. Customers may rightly ask a Bank employee or call Halo BCA at 1500888 for any inquiries or complaints related to the Product Summary.

Interest Rates


Interest Rate per Year (floating)

Monthly Deposit

Time Period (Year)

≥1 – <3

≥3 – <5

≥5 – <10

≥10

< IDR1,000,000 1.00% 1.20% 1.50% 1.70%
≥ IDR1,000,000 1.20% 1.50% 1.70% 1.70%

Effective: June 1st, 2022

Fees and Limits Tahapan Berjangka


To accommodate its customer’s needs, BCA provides competitive limits and fees for each product and service. View the limits and fees for Tangga Berjangka below.

Description

Fee

Deposit transaction at counter Free
Monthly Administration Free
Debit Failed Free
Insurance Premium Free

Print Transaction History at Branch

According to applicable terms and conditions

Closing Account Before Maturity *)

1% of final Tingkatan Berjangka balance

Terms:
– Paling of IDR50,000, or
– Maximum equal to paid accumulated interest, whichever is the larger amount.

*) Account closure to death of account holder will result in automatic account closure, free of charge. Insurance benefits and funds associated with the Tahapan Berjangka account will be returned to primary source account.

Insurance benefits is the sum of insurance payment equal to the amount of Hierarki Berjangka monthly endapan that has yet to be deposited:

Savings Period

Died due to

Sum Assured

 1 Year Illness
Accident 1 x Sum Assured, Max IDR750 million/cust.
> 1 Year Illness 1 x Sum Assured, Max IDR750 million/cust.
Accident 1 x Sum Assured, Max IDR1.5 billion/cust.

TERMS AND CONDITIONS FOR Tangga BERJANGKA

PT BANK CENTRAL ASIA Tbk (“BCA”)

A. DEFINITIONS

  1. Tahapan Berjangka means a savings account for individual customers into which the customer must deposit a fixed amount on a monthly basis for a specified period on the scheduled auto debit date selected by the customer.
  2. Source Account means an account from which periodic auto tagihan payment is made each month into Jenjang Berjangka. The Source Account may take the forms of Tahapan, Tahapan Gold, Tataran Xpresi, Tapres, and or any other account to be later determined by BCA. The owner of the Source Account must be the same as the owner of the Tahapan Berjangka account.
  3. Monthly Routine Deposit means a periodic sedimen payment in a fixed amount that must be made by the customer each month for a certain period on the scheduled auto debit date selected by the customer.
  4. Maturity Date means the date on which the life period of the Tahapan Berjangka account terminates in accordance with the life period determined by the customer.

B. TERMS AND CONDITIONS FOR Tahapan BERJANGKA

  1. Janjang Berjangka account is intended for individual customers that own a Source Account.
  2. A depositor must be an unik of Indonesian nationality who owns an identity card in accordance with the applicable terms, with a minimum age of 12 years and a maximum age of 60 years (hereinafter referred to as the “Depositor”).
  3. The Tahapan Berjangka account can not be opened in the form of a joint account with the status of “AND” nor “OR”.
  4. At the time the Depositor first opens a Tahapan Berjangka account, the Depositor is required to determine the life period of the Tangga Berjangka account, which is a minimum of 12 (twelve) months, and a maximum of 240 (two hundred forty) months, or mencicil the Depositor attains the age of 65 years (whichever is earlier).
  5. The amount of Monthly Routine Deposit and the life period of the Tahapan Berjangka account can titinada be changed.
  6. The opening of the Tahapan Berjangka account can be done at the counter, through CS Digital machine, through KlikBCA Bani adam connected with the Source Account, or by any other means as may be determined by BCA.
  7. Any change to the Tahapan Berjangka account data other than the amount of Monthly Routine Sedimen and the life period of the Tahapan Berjangka account can be made at the counter, through KlikBCA Manusia which is connected to the Source Account, or by any other means as may be determined by BCA.
  8. Upon opening the Panjang Berjangka account, the Depositor will obtain life insurance benefits as further regulated in the insurance certificate issued by the insurance company in cooperation with BCA.
  9. For funds transfer made between BCA accounts or interbank funds transfer through an electronic banking facility provided by BCA or an ATM provided by another bank, the Depositor hereby authorizes BCA to:
    1. display the Depositor’s name and/or account number on the screen of BCA electronic banking facility.
    2. provide the Depositor’s name and/or account number to such other bank to be displayed on its ATM screen.

The display of the name and/or account number as described in items a and b above is intended as a means of seeking confirmation from the remitting customer to minimize the possibility of the remitting customer making a wrong transfer.

  1. The Depositor must not make any funds withdrawal prior to the Maturity Date. If the Depositor intends to withdraw his/her funds prior to the Maturity Date, the Depositor is required to close the Tahapan Berjangka account and the Depositor will incur an account closing fee in accordance with the provisions applicable at BCA.
  2. BCA reserves the right to block the Depositor’s account, refuse any transaction involving the Depositor’s account, and/or terminate the business relationship with the Depositor if:
    1. the Depositor fails to comply with the prevailing law;
    2. the Depositor fails to provide any information and supporting documents required under the prevailing law;
    3. the Depositor is known to have used and/or reasonably suspected of using false documents and/or providing incorrect data to BCA;
    4. the Depositor provides questionable information; and/or
    5. the Depositor’s source of transaction funds is known to emanate from and/or reasonably suspected of emanating from a crime.
  3. The Depositor can electronically access the Tingkatan Berjangka account data (in the form of e-statement) through KlikBCA Sosok linked to the Source Account.
  4. The Tataran Berjangka account will be automatically closed:
    1. on the Maturity Date (unless the Depositor has previously applied for an automatic renewal of the Tahapan Berjangka account); or
    2. in the event that the auto debit for the Monthly Routine Deposit fails for 3 (three) consecutive months.
Baca :   Lomoto Studio Depok Harga

In connection with the closing of the Strata Berjangka account, the funds in the Tahapan Berjangka account will be credited to the Source Account.

  1. If the Maturity Date falls on a holiday, the Maturity Date is set on the first businessday after the holiday. Funds in the Hierarki Berjangka account will be credited to the Source Account on the first businessday after the holiday and the Depositor will not receive additional interest on the balance in the Tahapan Berjangka Account during the holiday.
  2. Closure of the Tahapan Berjangka account before the Maturity Date will attract a closing account fee.
  3. The Depositor must notify BCA in writing of any changes to the Depositor’s data.
  4. The Depositor hereby authorizes BCA to provide the Depositor‘s data to any party other than BCA that has entered into a cooperation with BCA, for promotional activities or other commercial purposes.
  1. In the event of the Depositor’s death, BCA may request any documentation of heirship as required by BCA to allow BCA to liquidate the amounts in the Tahapan Berjangka account and pay the same to the beneficiaries specified in the documentation of heirship. Upon the liquidation of the amounts in the Tahapan Berjangka account of the deceased Depositor and payment of the same to the lawful beneficiaries or proxies under the documentation of heirship, BCA is discharged from any liability in connection with the Depositor’s Janjang Berjangka Account.
  2. To the extent that the Depositor still has certain obligations to BCA under a loan, L/C, bank guarantee or any guarantee provided by the Depositor (borgtocht), interest, facility fee (provisi), fee for Chequebooks/Surat berharga Giro books, stamp duty, draft, letter of acceptance or other commercial papers signed by the Depositor as an acceptor, endorser, or drawer, guarantor or as a result of the use of credit cards or any fees or obligations arising from any circumstances whatsoever, BCA shall be entitled, and to the extent necessary is hereby authorized by the Depositor, to debit the Depositor’s account and apply the proceeds to repay any amounts at any time due to BCA. Any consequences arising from the debiting of the Pangkat Berjangka account under the power of attorney granted by the Depositor shall be the sole responsibility of the Depositor.
  3. BCA has the right to make correction to the balance of the Depositor’s account in the event of any posting error by BCA.
  4. The Depositor may close the Strata Berjangka account at a BCA branch office by presenting his/her original and valid identity card and other supporting documents (if any) in accordance with the provisions applicable at BCA.
  5. The data on the Janjang Berjangka Account will be held and stored by BCA in accordance with the prevailing law.
  6. The Tangga Berjangka account is not included in the BCA lucky draw programa.
  7. The Tahapan Berjangka account can titinada be used for auto debit facilities.
  8. Deposits can be made into the Tahapan Berjangka account at any time, but no withdrawal may be made prior to the Maturity Date. Any deposit into the Tangga Berjangka account other than the Monthly Routine Deposit shall not affect the amount of Monthly Routine Sedimen to be made and shall titinada change the tiered interest rate applicable for the Tahapan Berjangka account.
  9. BCA shall offer products/servicesof BCA and other parties in cooperation with BCA through means of personal communication. If the Depositor disagree, the Depositor may contact Halo BCA.
  10. The Depositor’s funds at BCA are guaranteed by the Indonesia Deposit Insurance Corporation (Buram Penjamin Simpanan, LPS), subject to the maximum amount of endapan guaranteed by the LPS. The LPS does not guarantee any sedimen with interest at the rate exceeding the interest rate stipulated by the LPS.
  11. By opening the Tahapan Berjangka account, the Depositor is bound by and agrees to these Terms and Conditions for Tahapan Berjangka. BCA may at any time amend any terms and conditions for the Tangga Berjangka account, and such amendment shall be notified by BCA in any form and by any means in accordance with the prevailing law.

C. DEPOSIT AND WITHDRAWAL OF FUNDS

  1. The minimum amount of Monthly Routine Sedimen for the Tahapan Berjangka Account is Rp500,000 (five hundred thousand rupiah), and if more than that the Monthly Routine Deposit shall be made in multiples of Rp50,000 (fifty thousand rupiah).
  2. The Monthly Routine Sedimen shall be made by means of auto debit from the Source Account, subject to the following provisions:
    1. For the opening of the Tahapan Berjangka account through counter and CS Digital machine, the first Monthly Routine Sedimen auto piutang shall be made on the day when the Tahapan Berjangka account is opened.
    2. For the opening of the Tahapan Berjangka account through KlikBCA Individu, the first Monthly Routine Endapan auto debit shall be made when the Tahapan Berjangka account is opened.
    3. The subsequent auto debit for the Monthly Routine Sedimen shall be made on a date selected by the Depositor.
    4. The auto debit date can be selected on any day of the month until the 30th of each month.
    5. If the auto piutang date selected by the Depositor is the 29th or 30th, then for February, the auto piutang process shall be conducted onthe last calendar day in February.
    6. If the auto piutang date of the second and subsequent Monthly Routine Endapan falls on a holiday, the auto tagihan for the Monthly Routine Sedimen shall be made on the first business day following the holiday.
    7. In the event of any failure in making the auto debit, the auto debit process shall be made again at the end of the relevant month.
    8. For the Depositor who has applied for an automatic renewal of his/her Tahapan Berjangka account, the first Monthly Routine Deposit auto volume for the renewed Jenjang Berjangka account shall be made on the day of the automatic renewal of the Tingkatan Berjangka account.
    9. For the Depositor who changes the auto debit date of the Monthly Routine Sedimen, the auto debit of Monthly Routine Deposit on the new auto volume date will be effective starting from the second Monthly Routine Deposit after the auto debit date has been changed.
  3. Any deposit other than the Monthly Routine Endapan can be made at any time at the counter during BCA business hours or through the Cash Sedimen Machine, or through other channels.
Baca :   Warna Gelang Pada Pasien

D. AUTOMATIC RENEWAL

  1. If the Depositor desires the Tahapan Berjangka account be automatically renewed on the Maturity Date, the automatic renewal of the Tahapan Berjangka account shall apply with the following terms and conditions:
    1. a request for the automatic renewal of the Pangkat Berjangka account is made no later than 2 (two) business days before the Maturity Date of the current Tahapan Berjangka account;
    2. the Depositor is less than 65 years old on the next Maturity Date after the automatic renewal of the Tahapan Berjangka account; and
    3. there is no auto piutang failure of the Monthly Routine Deposit on the day of the automatic renewal of the Tahapan Berjangka account.
  2. The life period of the Pangkat Berjangka account and the amount of Monthly Routine Sedimen for the renewed Pangkat Berjangka account will be in accordance with the life period of the Panjang Berjangka account and the amount of Monthly Routine Deposit determined by the Depositor at the time of opening such Tingkatan Berjangka account.
  3. The automatic renewal of the Tataran Berjangka account can be canceled no later than 2 (two) businessdays before the Maturity Date of the current Tingkatan Berjangka account.

E. CALCULATION AND PAYMENT OF INTEREST

  1. The Tahapan Berjangka account pays interest with a tiered rate plan according to the amount of Monthly Routine Deposit, and the interest is subject to tax in accordance with the prevailing law. The tiered interest rates are not fixed. It may change according to market fluctuations and the change will be notified by BCA to the Depositor in any form and by any means in accordance with the prevailing law.
  2. Interest shall be paid at the end of the relevant month and shall be directly credited or added to the balance of the Depositor’s account as evident in BCA’s books and records.
  3. If the Depositor desires an automatic renewal of the Tingkatan Berjangka account, the interest that has been earned since the beginning of the Tinggi Berjangka account opening will add the balance of the renewed Tahapan Berjangka account.
  4. Any interest income shall be subject to tax in accordance with the prevailing tax law and the tax shall be borne by the Depositor.

F. COMPLAINTS HANDLING

  1. Any complaints to BCA in connection with the Tahapan Berjangka account may be lodged by the Depositor to any BCA branch office or to Halo BCA. For the purpose of handling the complaint, BCA may ask the Depositor to provide BCA with a copy of the Depositor’s identity card and other supporting documents.
  2. BCA shall respond to such complaint in accordance with the prevailing law.
  3. Any complaints relating to the Tangga Berjangka account must be lodged by the Depositor to BCA within no later than 3 (three) months of the transaction date.

G. DISPUTES RESOLUTION

  1. The Depositor agrees that any disputes or disagreements arising from and/or relating to the implementation of these Terms and Conditions for Tahapan Berjangka of PT BANK CENTRAL ASIA Tbk (“BCA”) will be resolved by deliberation.
  2. Any disputes or disagreements that cannot be resolved by deliberation by the Depositor and BCA, will be resolved through banking facilitation (fasilitasi perbankan) at Bank Indonesia or the Financial Services Authority or mediation through Alternative Dispute Resolution Agencies listed in the List of Alternative Dispute Resolution Agencies issued by the Financial Services Authority.
  3. Any disputes or disagreements that cannot be resolved by deliberation, banking facilitation, and/or mediation as referred to in point 2 above, will be resolved through Central Jakarta District Court, without prejudice to BCA’s right to file claims or demands through other District Courts within the territory of the Republic Indonesia.

The Depositor hereby confirms that the Depositor has fully understood and agrees to these Terms and Conditions for Tangga Berjangka of PT BANK CENTRAL ASIA Tbk (“BCA”) as described above and that BCA has provided explanations and asked for confirmation of the Depositor’s understanding of the benefits, fees and risks associated with the Tinggi Berjangka account.

These Terms and Conditions for Tahapan Berjangka

PT BANK CENTRAL ASIA Tbk. (“BCA”)

have been adjusted in compliance with the prevailing laws and regulations including Regulations of the Financial Services Authority

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BCA Branch

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Bunga Tahapan Berjangka Bca

Source: https://www.bca.co.id/en/Individu/produk/simpanan/tahapan-berjangka/tahapan-berjangka

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